American Financing in Missouri vs the state
43.3%Denial rate+28.23 pts vs state
56.7%Decision denial rate+38.03 pts vs state
24.1%Origination rate-38.55 pts vs state
5.99%Median rate-0.63 pts vs state
0.17Rate spread (pts)-0.18 pts vs state
$80kMedian applicant income
108Loans originated
194Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 231 | 60 | 37.7% | 6.56% | #140 |
| 2024 | 437 | 86 | 52.6% | 5.99% | #89 |
| 2025 | 448 | 108 | 43.3% | 5.99% | #99 |
What American Financing lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jackson County | 44 | 7 | 19 | 43.2% |
| St. Louis County | 42 | 11 | 22 | 52.4% |
| St. Charles County | 31 | 9 | 13 | 41.9% |
| Greene County | 27 | 7 | 10 | 37.0% |
| Jefferson County | 23 | 5 | 11 | 47.8% |
| Clay County | 20 | 2 | 8 | 40.0% |
| Boone County | 14 | 3 | 4 | 28.6% |
| Christian County | 14 | 4 | 6 | 42.9% |
| Webster County | 10 | 1 | 7 | 70.0% |
| Warren County | 9 | 2 | 6 | 66.7% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 448 applications in 2025, of which 108 were originated and 194 denied.
43.3% of all applications, or 56.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans American Financing originated in Missouri in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are American Financing's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology